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Spend Smart.

Credit Cards

Spend Smart.
Earn More.

Make everyday purchases more rewarding with a BML Credit Card. Whether you’re buying essentials, shopping online, or planning your next trip, our cards offer flexibility, control, and perks that fit your lifestyle.

Earn Rewards

Turn your everyday spending into rewards, cashbacks, or travel perks.

Interest-Free Period

Enjoy up to 55 days interest-free when you pay your full balance on time.

Accepted Worldwide

Shop anywhere Visa or Mastercard is accepted — locally or globally.

Track & Manage Easily

View statements, track spending, and manage your card through Internet or Mobile Banking.

Choose the Card
That Fits You
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BML EasyPay for

American Express Cards

With our American Express credit cards, you can also take advantage of our easy installment plan EasyPay to pay for goods in installments at participating merchants.

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Travel Insurance

Travel With Confidence

Plan your trip with peace of mind. When you purchase your airline ticket using a BML Credit Card, you’ll be automatically covered under our free travel insurance plan.

Explore
the Differences
Credit Limit
Above MVR 380,250
Above MVR 480,250
Above MVR 480,250
Interest on Rollover
2% per month
2% per month
2% per month
Joining Fee
MVR 1,350
MVR 1,350
MVR 1,350
Annual Fee
MVR 2,250
MVR 2,250
MVR 2,250
Supplementary / Additional Card Annual Fee
MVR 1,350
MVR 1,350
MVR 1,350

Minimum Requirements

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Income must be routed to BML regularly for the past 6 months.

Satisfactory performance of existing facilities.

or new USD credit card requests, income must be earned in USD. Limit will be based on the USD income.

For USD cards, repayments must be in USD

How to Apply

Online

BML

Via BML Mobile app or Website

Login to our mobile app or sign in using our website, go to services and apply.

Receive SMS

You will receive an SMS from us when your card is ready for collection. Please visit the branch mentioned in the SMS to collect your card during banking hours. If you would like to collect your card from another branch, please let us know through Internet Banking or submit a letter to the nearest BML branch.

Frequently Asked

Questions

The USD Visa Credit Card is a dollar credit card offered by BML, targeted towards customers who pay to card in dollars and want to transact without sending foreign transaction limit increase requests to the Bank. New customers can apply for Visa Credit Card and choose the USD payment option. Existing customers can convert their existing Visa Credit Card to a USD Visa Credit Card. Payment to this card can only be made in US Dollars.

The following card products will have a USD version:

• Visa Credit Standard

• Visa Credit Gold

• Visa Credit Platinum

• Visa Credit Signature

• Visa Corporate Card

You can apply online via BML Internet Banking or Mobile Banking App.

Yes.

Yes, you can apply to convert your existing card via BML Internet Banking or through our Mobile Banking App

No, this is a permanent change

No, you can only have one type of Visa Credit Card. However, you can request for an additional card (either Mastercard or American Express) after converting your Visa Credit Card

Yes

You have 3 options, which you can select online at the time of application:

• Settle outstanding balance in MVR before converting to USD Visa Credit Card

• Transfer the outstanding balance to another credit card (either Mastercard or American Express)

• Keep the outstanding balance in USD Visa Credit Card and repayment for that will be in USD going forward.

You will enjoy the credit limit extended to you on your credit card. No other foreign transaction limits will be in effect for this card.

Yes, you must have a USD account to apply for a USD Visa Credit Card. Your USD account must also be set as your card’s auto pay account.

Yes, you can make repayments to the card in dollars through our USD ATMs. MVR cash will not be accepted for card repayment. You may also make repayment via debit card at any ATM from a USD account.

USD cheques will be accepted but any cheques in MVR will be returned by the Bank

The current overall credit limit across all your cards will remain the same

No

New credit cards will be processed within 10 working days. If you are converting your existing card to a USD card, it will take 5 days. You will receive an SMS once successfully completed

Useful Downloads

Card Transaction Dispute Form.pdf

pdf · 197.57 KB

Credit Cards T&C.pdf

pdf · 274.08 KB

Outlets Offering BML Easy Pay.pdf

pdf · 127.29 KB

Request to change to USD Visa Credit Card.pdf

pdf · 335.14 KB

FAQ - USD Visa Credit Card.pdf

pdf · 603.02 KB

Credit Card Application Form.pdf

pdf · 226.69 KB

Supplementary Credit Card Application Form.pdf

pdf · 210.31 KB

Sample consent letter format for expatriate customers.pdf

pdf · 86.25 KB

FAQ - Instant Credit Cards-1.pdf

pdf · 189.83 KB